THE JOURNEY INTO BEING FINANCE FIERCE
I am angry
Debt has consumed my life since my college graduation. Beginning in early 2017, my reinforced ignorance shattered, and this anger brewed from my heart outward until I felt it singeing all over my skin. I stopped allowing myself to believe I couldn’t pay my debts off until only after I’d began to receive at least a certain pay grade.
For so many years, I put my dreams on hold and simply continued to live life until that threshold broke. For me, that threshold never came. The why was simple. I didn’t know how to handle my money. No matter how much money I had coming in I could never quite keep a savings account above $0. I always threw money away: even when I only made around $7,000 per year in college.
- MY BIGGEST FINANCIAL DISASTER & DEBT STORY (coming soon!)
NEVER STOP NEVER STOPPING
It sounds silly to talk about my dreams when involving topics like finance, business ownership, and marketing; however, I think it’s important to highlight them. Since high school, I’ve dreamed about what countless others have already achieved and what many will eventually achieve: being a published author.
Self-publishing was in no way as robust of an option as it is today back when I was a teen. Technology has really come such a long way, if you think about it. Writing is a huge part of who I am, and I thought debt would destroy my chances indefinitely.
At present, I’ve budgeted out my year, and I know exactly how much this whole thing will cost me. That’s the key: keeping a budget.
A PERSON’S A PERSON, NO MATTER HOW SMALL
You didn’t expect me to pull a Dr. Seuss quote when talking about a budget, did you? Well, dear ol’ doc had a good point. No matter how small your income is, literally anyone can make and maintain a budget. When I was still in my undergrad making my sexy $7k per year, I thought that my income wasn’t impressive or stable enough to actually use a budget.
No one should ever think this. And I’m passionate about turning this mentality in others around if I can.
Nearly every situation can be different, but math is math: stable. I hate math, but this blog is about adulting, somewhat. We can’t avoid math if we’re to keep up with our budgets. Thankfully, apps like Mint or EveryDollar exist. I’m a masochist, so I use an “Excel” spreadsheet. At least Google Sheets can automatically calculate stuff: saving me so much headache.
- MY YEARLY BUDGET & FREE TEMPLATE DOWNLOAD (coming soon!)
- WHY EVERY SOLE PROPRIETORSHIP/SINGLE-MEMBER LLC NEEDS THE EVERYDOLLAR APP IN THEIR LIFE (coming soon!)
DAVE RAMSEY’S IMPACT
My budget and financial journey is basically mimicking Dave Ramsey’s plan through his infamous baby steps. For the last few months in 2017, me and my hubby saved up exactly one month’s expenses, so we’re officially living one month ahead, which has provided us a wonderful platform for embarking on our debt-free journey.
In my 27 years of life, I’ve accepted a few things. I break rules. If you’ve found this blog and believe this will devoutly follow Dave’s plan, think again. I break rules, which is a big part of my into-debt problem; however, I’ve recently experienced an awakening (
in the Force). You’ll quickly learn what I mean when you read through a few of my blogs.
In short, though, me and my hubby have decided to blur a few steps together. It’s a big no-no, but we decided to take the best Dave offered and blend it to our lives and our lifestyle in the way that would benefit our dreams and financial goals. We’re living our life like no one else, so we can live and give like no one else.
We’ll eventually be what I call finance fierce. 🙂
- WHAT I’M DOING DIFFERENTLY FROM DAVE RAMSEY’S FINANCIAL PEACE PLAN (coming soon!)
- WHAT IS FINANCE FIERCE? (coming soon!)